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Customers Bancorp (CUBI) investor relations material
Customers Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net income available to common shareholders rose 71.7% year-over-year to $73.7 million, or $2.20 per diluted share, with ROAA at 1.26% and ROCE at 15.57%, driven by higher net interest income and lower deposit costs.
Achieved strong Q3 2025 results with significant deposit and loan growth, margin expansion, and improved efficiency ratio.
Continued franchise transformation through new team recruitment, digital platform enhancements, and leadership transition.
Maintained robust capital and liquidity positions, supporting future growth.
Redeemed all Series E Preferred Stock, reducing preferred dividends and incurring a $1.9 million loss on redemption.
Financial highlights
Net interest income for Q3 2025 was $201.9 million, up 14% quarter-over-quarter and 27.4% year-over-year, with net interest margin rising to 3.46%.
Total revenues were $232 million, up 12% quarter-over-quarter.
Net income reached $73.7 million, with diluted EPS of $2.20 for Q3 2025.
Efficiency ratio improved to 45.4%, with non-interest expense as percent of average assets at 1.74%.
Tangible book value per share increased 6.2% quarter-over-quarter to $59.72.
Outlook and guidance
FY 2025 outlook raised: deposit growth expected at 8–10%, loan growth at 13–14%, and net interest income at 13–15%.
Core efficiency ratio projected below 50%; CET1 ratio expected at ~13% by year-end 2025.
Management remains focused on differentiated service, product offerings, and talent recruitment to drive sustainable long-term growth.
The cubiX platform is highlighted as a mission-critical real-time payments solution, supporting future market share gains.
Company expects continued uncertainty from macroeconomic factors, including inflation, interest rates, and geopolitical risks.
Commercial banking team impact on growth?
Preferred stock redemption impact on capital?
NIM outlook given deposit cost trends?
cubiX: Future growth drivers and fee income potential?
Outline AI's impact on productivity and client experience.
NDFI lending: Verticals, risk management, and comfort?
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Next Customers Bancorp earnings date
Q4 202530 Jan, 2026
Next Customers Bancorp earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Customers Bancorp Inc is a bank holding company that operates through its subsidiary, Customers Bank, providing commercial and consumer banking services. The company offers a range of financial products, including business and personal loans, deposit accounts, cash management, and mobile banking solutions. It serves small and medium-sized businesses, professional firms, individuals, and institutional clients. The company is headquartered in West Reading, Pennsylvania, and its shares are listed on the NYSE.
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